The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$37,692
−HK$2,364/mo
▼ 0.25% · 3.875%
HK$38,865
−HK$1,191/mo
Today · 4.125%
HK$40,056
baseline
▲ 0.50% · 4.625%
HK$42,493
+HK$2,437/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$80,112/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$41,932
−HK$2,266/mo
▼ 0.25% · 3.875%
HK$43,057
−HK$1,141/mo
Today · 4.125%
HK$44,198
baseline
▲ 0.50% · 4.625%
HK$46,527
+HK$2,329/mo
Deposit HK$8.26M · loan HK$8.26M · min. income ≈ HK$88,396/mo (50% DSR)
Upfront cash ≈ HK$8.88M (deposit + AVD stamp duty HK$619,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,231
−HK$2,836/mo
▼ 0.25% · 3.875%
HK$46,637
−HK$1,430/mo
Today · 4.125%
HK$48,067
baseline
▲ 0.50% · 4.625%
HK$50,992
+HK$2,925/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$96,134/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,319
−HK$2,718/mo
▼ 0.25% · 3.875%
HK$51,668
−HK$1,369/mo
Today · 4.125%
HK$53,037
baseline
▲ 0.50% · 4.625%
HK$55,833
+HK$2,796/mo
Deposit HK$6.61M · loan HK$9.92M · min. income ≈ HK$106,074/mo (50% DSR)
Upfront cash ≈ HK$7.23M (deposit + AVD stamp duty HK$619,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$52,769
−HK$3,309/mo
▼ 0.25% · 3.875%
HK$54,410
−HK$1,668/mo
Today · 4.125%
HK$56,078
baseline
▲ 0.50% · 4.625%
HK$59,490
+HK$3,412/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$112,156/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,705
−HK$3,172/mo
▼ 0.25% · 3.875%
HK$60,279
−HK$1,598/mo
Today · 4.125%
HK$61,877
baseline
▲ 0.50% · 4.625%
HK$65,138
+HK$3,261/mo
Deposit HK$4.96M · loan HK$11.57M · min. income ≈ HK$123,754/mo (50% DSR)
Upfront cash ≈ HK$5.58M (deposit + AVD stamp duty HK$619,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$67,846
−HK$4,254/mo
▼ 0.25% · 3.875%
HK$69,956
−HK$2,144/mo
Today · 4.125%
HK$72,100
baseline
▲ 0.50% · 4.625%
HK$76,487
+HK$4,387/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$144,200/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,867 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,478
−HK$4,078/mo
▼ 0.25% · 3.875%
HK$77,502
−HK$2,054/mo
Today · 4.125%
HK$79,556
baseline
▲ 0.50% · 4.625%
HK$83,749
+HK$4,193/mo
Deposit HK$1.65M · loan HK$14.88M · min. income ≈ HK$159,112/mo (50% DSR)
Upfront cash ≈ HK$2.27M (deposit + AVD stamp duty HK$619,867 · Scale 2, in force from 26 Feb 2026)